Carroll Homes with USDA Loan Financing

Carroll Homes with USDA Loan Financing

Welcome to Carroll County, Missouri, a hidden gem that perfectly blends rural charm with modern conveniences. Nestled in the heart of the Show-Me State, Carroll County offers a serene lifestyle surrounded by picturesque landscapes, rolling hills, and vibrant communities. With a rich history and a tight-knit community spirit, this county is an ideal place for families, retirees, and anyone looking to escape the hustle and bustle of city life.

One of the standout features of Carroll County is its accessibility to USDA loan financing, making homeownership more attainable for many. USDA loans are designed to help low-to-moderate-income families secure a home in eligible rural areas, and Carroll County qualifies beautifully. This means you can purchase a lovely home without a hefty down payment, allowing you to invest in your future without breaking the bank.

Imagine living in a charming farmhouse or a cozy cottage surrounded by nature, where you can enjoy peaceful walks, local farmers' markets, and community events. The county boasts a variety of home styles, from historic properties to modern builds, all infused with that warm, welcoming vibe that makes Carroll County feel like home.

Whether you're looking for a place to raise a family, retire, or simply enjoy the tranquility of rural living, Carroll County offers something for everyone. With affordable housing options and the benefits of USDA financing, now is the perfect time to explore the possibilities and make your dream of homeownership a reality in this delightful Missouri county. Come and experience the charm of Carroll County—your new home awaits!

Newest Carroll Homes with USDA Loan Financing

$425,000
4 Beds ⋅ 3.5 Baths
Welcome home to this beautifully updated ranch situated on a sprawling 1-acre M/L lot in one of Carrollton's most established and desirable neighborhoods. Offering nearly 3,800 square feet of thoughtfully designed living space, this impressive home features 4 bedrooms, 2 full bathrooms, and 2 half bathrooms, providing the perfect blend of comfort, functionality, and style. Step inside to discover new flooring throughout, adding a fresh, modern feel to the home's spacious interior. The stunning 37' x 21' great room is the heart of the home, showcasing soaring wood-beamed ceilings, a dramatic wall of windows that fills the space with natural light, and a cozy gas fireplace. The expansive eat-in kitchen is designed for everyday living and entertaining alike, complete with heated floors, abundant cabinetry, and an adjoining informal dining area featuring custom built-ins and a welcoming sitting area centered around a second gas fireplace. The private primary suite offers a relaxing retreat with an updated ensuite bathroom featuring dual vanities and a beautifully tiled walk-in shower. Outside, the generous patio overlooks a picturesque backyard framed by mature trees, creating a peaceful setting for entertaining, outdoor dining, or simply unwinding in privacy. With its impressive square footage, recent updates, and exceptional setting, this move-in-ready home is one you won't want to miss. Interior photos coming soon!

804 N Main Street, Carrollton

Listing courtesy of Michael Wellman of Sell Well Realty.
$305,000
4 Beds ⋅ 3 Baths
Nestled in the heart of Carrollton, this charming Cape Cod-style home perfectly blends timeless character with thoughtful modern updates. Offering 4 spacious bedrooms, 3 bathrooms, and a detached 1-car garage with a loft above, this home provides endless possibilities. The loft is ideal for additional storage or could be finished into a home office, guest suite, studio, or extra living space. Step inside to a light-filled living room featuring gleaming hardwood floors, rich original woodwork, and a cozy fireplace that creates an inviting atmosphere. The formal dining room flows effortlessly into the spacious kitchen, making everyday living and entertaining a breeze. The kitchen showcases quartz countertops, a stylish tile backsplash, modern white cabinetry, and a peninsula with an integrated sink that offers both functionality and gathering space. Upstairs, you'll find four generously sized bedrooms and two tastefully remodeled bathrooms designed with comfort and style in mind. A cozy private balcony offers the perfect spot to enjoy your morning coffee or unwind with your favorite book. Conveniently located in the heart of Carrollton, this move-in-ready home is just minutes from local schools, parks, shopping, dining, and all the amenities this welcoming community has to offer. Combining classic curb appeal, modern updates, and room to grow, this beautiful home is ready for its next chapter.

201 W 1st Street, Carrollton

Listing courtesy of Michael Wellman of Sell Well Realty.
$159,900
4 Beds ⋅ 1 Baths
Welcome home to this 4-bedroom, 1-bath split-entry home offering comfort, updates, and room to grow! The main level features three bedrooms, while the fourth bedroom is located in the lower level, providing flexibility for guests, a home office, or additional living space. You'll appreciate the many recent improvements, including a newer roof, energy-efficient vinyl replacement windows throughout, updated flooring, fresh interior paint, and a beautifully remodeled bathroom. The unfinished lower level presents an excellent opportunity to add additional finished living space to suit your needs or simply enjoy the abundant storage it provides. A 1-car attached garage adds everyday convenience. Ideally located within walking distance to local schools, this move-in-ready home combines value, functionality, and potential. Don't miss your opportunity to make it yours!

113 W 10th Street, Carrollton

Listing courtesy of Michael Wellman of Sell Well Realty.
$245,900
4 Beds ⋅ 3 Baths
Welcome home to this beautifully maintained 4-bedroom, 3-bath ranch with a 5th non-conforming bedroom, nestled in one of Carrollton’s established neighborhoods. Offering over 2,200 square feet of living space, this home features a spacious layout designed for both everyday living and entertaining. Enjoy two inviting living areas, each complete with its own fireplace, creating warm and welcoming spaces for family gatherings or quiet evenings at home. The flexible floor plan includes a fifth non-conforming bedroom, making it ideal for guests, a home office, hobby room, or workout space. Generous-sized bedrooms, ample storage, and comfortable living can be found throughout the home. Outside, you’ll appreciate the attractive mature landscaping, durable metal siding, newer roof, attached two-car garage, and fenced corner lot—perfect for children, pets, gardening, or outdoor entertaining. Conveniently located near schools, parks, and local amenities, this move-in-ready home offers the perfect combination of comfort, space, flexibility, and curb appeal. Don’t miss your opportunity to make this wonderful Carrollton property your next home!

1114 Hilltop Drive, Carrollton

Listing courtesy of Jennifer Jellum of RE/MAX Central.
$420,000
4 Beds ⋅ 3 Baths
Price Reduced! Escape to the peace and privacy of country living with this exceptional rural property situated on 15 picturesque acres of pasture and timber. This well-maintained 2,600-square-foot earth-contact home offers 4 bedrooms, 3 bathrooms, and a functional floor plan designed for comfortable everyday living. Numerous updates provide peace of mind, including low-maintenance vinyl siding, an architectural shingle roof, new gutters, and a high-efficiency HVAC system. Inside, you'll find spacious living areas and a practical layout that accommodates both family living and entertaining. The acreage offers the perfect blend of open pasture and mature timber, creating a beautiful setting and ideal habitat for abundant wildlife. Whether you're looking for a hobby farm, hunting retreat, or simply a private country escape, this property offers endless possibilities. Adding even more value is the 30' x 45' shop, providing ample space for weekend projects, equipment storage, hobbies, or keeping vehicles protected from the elements. If you've been searching for a property that combines comfortable living, useful improvements, and the beauty of rural acreage, this is a rare opportunity you won't want to miss.

20776 CR 110 Road, Tina

Listing courtesy of Michael Wellman of Sell Well Realty.
$110,000
3 Beds ⋅ 1 Baths
Welcome home to this charming 3-bedroom, 1-bath property offering space, functionality, and potential! Featuring a large formal dining room, this home is perfect for gatherings and everyday living. Newer AC, Furnace and hot water heater. The spacious kitchen provides plenty of room for cooking and storage. The bathroom has a jacuzzi tub to unwind after a long day. Downstairs, the walk-out basement offers additional possibilities and is already plumbed for a second bathroom—ideal for future expansion or added value. Enjoy comfortable living with a practical layout and room to make it your own. Whether you’re a first-time buyer or looking for an investment opportunity, this home is ready to go!

209 S Locust Street, Carrollton

Listing courtesy of Jayme Generaux of Weichert Realtors - Generations.
$175,000
3 Beds ⋅ 2 Baths
Experience elevated living in this updated 3-bedroom, 2-bath home offering 1,856 sq ft of beautifully curated space. Where every detail has been thoughtfully designed to create a seamless flow of an inviting atmosphere. Perfectly positioned on a .25-acre corner lot, the home is surrounded by meticulously maintained landscaping that creates a striking first impression and enhances its overall elegance. The property also features a detached garage and carport, providing both convenience and versatility. With its updates, timeless style, and exceptional setting, this home offers a rare opportunity to own a truly turnkey, upscale retreat.

210 W 4th Street, Norborne

Listing courtesy of Tiffany Pierson of Sell Well Realty.
$239,900
5 Beds ⋅ 3 Baths
Come check out this sprawling split-entry home nestled on a quiet double lot in Carrollton! Offering nearly 3,000 square feet of finished living space, this spacious home features 5 bedrooms, 3 bathrooms, and plenty of room for everyone to spread out. The heart of the home is the expansive living room, complete with built-in surround sound, making it the perfect space for entertaining, movie nights, or watching the big game. The eat-in kitchen, formal dining room, and main-level primary bedroom provide comfort and functionality for everyday living. Additional features like the central vacuum system and whole-home intercom add everyday convenience and thoughtful functionality throughout the home. Need extra space? This home delivers with a large storage room located beneath the living room, ideal for seasonal dcor, hobbies, or keeping everything organized. Above the oversized two-car garage, you'll find a versatile bonus room that could serve as a home office, playroom, home gym, craft room, guest retreat, or additional storage. The oversized attached garage offers ample room for vehicles, tools, and projects, while the impressive second lot provides endless possibilities. With convenient access from 16th Street, the additional lot is perfect for building a detached garage or workshop, expanding the home, creating outdoor entertainment space, or simply enjoying the extra yard. If you've been searching for space, flexibility, modern conveniences, and future potential in a peaceful neighborhood, this Carrollton property is one you won't want to miss!

6 W 15th Street, Carrollton

Listing courtesy of Michael Wellman of Sell Well Realty.
$165,000
3 Beds ⋅ 1 Baths
Price Reduced on this nicely updated 3-bedroom ranch nestled in on a spacious corner lot is looking for its new owner! The bright and inviting floor plan offers functionality, perfect for everyday living. As you step into this home you will be greeted with a generous living room with newer flooring, custom stone fireplace, and lots of natural light let in by dual pane vinyl replacement windows throughout. The formal dining room gives you a place to host dinners with friends and family while the eat-in kitchen offers a bright and airy feel with modern white cabinets. The bathroom is outfitted with sleek and clean finishes. French doors lead you to the large concrete patio that overlooks the nearly 1-acre yard.

514 SW 3rd St Terrace, Carrollton

Listing courtesy of Michael Wellman of Sell Well Realty.
$99,000
3 Beds ⋅ 2 Baths
Charming 2–3 Bedroom Brick Home with Endless Potential! Discover the possibilities in this spacious 2–3 bedroom, 2 bath brick home, offering nearly 2,000 sq. ft. of living space. Whether you’re a homeowner looking to make it your own or an investor seeking a great opportunity, this property is full of potential! Inside, you’ll find tall 10-foot ceilings, large rooms, and classic architectural details that provide both character and comfort. The flexible layout allows for a potential third bedroom, home office, or bonus space to fit your needs. Enjoy relaxing on the covered front porch, perfect for morning coffee or evening gatherings. With a little TLC, this solid brick home could shine once again as a beautiful family residence or a profitable investment property.

220 E Benton Street, Carrollton

Listing courtesy of Kristy Lauhoff of Century 21 Farm and Home.
Start Your Search

The data relating to real estate displayed on this website comes in part from the Heartland Multiple Listing Service database compilation. The properties displayed on this website may not be all of the properties in the Heartland MLS database compilation, or all of the properties listed with other brokers participating in the Heartland MLS IDX program. Detailed information about the properties displayed on this website includes the name of the listing company.

The information displayed on this page is confidential, proprietary, and copyrighted information of Heartland Multiple Listing Service, Inc. (“Heartland MLS”). Copyright 2026, Heartland Multiple Listing Service, Inc. Heartland MLS and the company represented by this website do not make any warranty or representation concerning the timeliness or accuracy of the information displayed herein. In consideration for the receipt of the information on this page, the recipient agrees to use the information solely for the private noncommercial purpose of identifying a property in which the recipient has a good faith interest in acquiring. Data last updated . Terms of Use